Capital Retirement Planning, LLC

Capital Retirement Planning serves individual investors and participants in employer‑sponsored retirement plans, providing fee‑based portfolio management, investment consulting and investment planning on both discretionary and non‑discretionary bases. The small firm reports approximately $20 million in discretionary assets under management and works with retail clients and company plan participants across IRAs, after‑tax accounts and 401(k)/403(b)/457 plan core options.

The firm emphasizes an active, technical‑based approach to money management, using trend analysis, relative strength, stop‑losses and a disciplined sell‑side methodology intended to mitigate downside risk rather than rely on passive buy‑and‑hold strategies. It may employ short‑term purchases, recommend third‑party sub‑advisers when appropriate, and tailors allocations to clients’ objectives, risk tolerances and liquidity needs.

Notably, the adviser is affiliated with an insurance agency that offers annuities, life, disability and long‑term care products and discloses that it receives commissions and marketing support from field marketing organizations, a relationship it acknowledges as a potential conflict it manages under its fiduciary obligations. The firm is also not a solo practitioner, listing more than one associated person in its disclosures and describing coordination with other professionals when implementing client recommendations.